How to File a Flood Insurance Claim

A flood insurance claim can help you repair your home and make up for losses incurred, provided you have the right kind of coverage. Following these steps will help your claim be processed more completely.

Instructions

1. After a flood, photograph the damaged sections of the house, highlighting the waterlogged areas.

2. Inform your flood insurance agent. He will prepare a Notice of Loss form and an adjuster will be assigned to you.

3. Compile a room by room list of misplaced and damaged goods. Mention the manufacturer's names, prices, dates and places of purchases, and try to support them with original purchase receipts.

4. Separate the damaged and undamaged property to protect the undamaged goods from further harm. This will also facilitate the adjuster's examination.

5. When the adjuster visits your property, inform him if you require an advance or partial compensation of loss. Good records can increase your chances of getting an advance payment from the National Flood Insurance Program (NFIP). An articulate inventory is always helpful in presenting your claim.

6. Wait patiently and stay in touch with your agent while your claim is being processed.

7. For further assistance, contact the National Flood Insurance Program (see link).

Tips & Warnings

• If any section or part of your house requires repairs, do so immediately. This will help protect your home from additional damage.

• Clean your home as soon as possible after the flood. Cleaning up will help in assessing the actual damage.